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Business

AAMI offers cover for:

  • Hair Salons
  • Home and Mobile Hairdressers
  • Beauticians
  • Beauty Parlours
  • Barbers
  • Nail Salons
  • Nail Technicians / Manicurists
  • Make-up artists
  • Stylists
  • And more!

Insurance for your hair and beauty business

You know glamour. We know salon insurance, hairdressing insurance, and beauty insurance. Whether you operate from your own salon, out of your home, or run a mobile business, AAMI can offer you business insurance that won’t go out of style.

Hair and 
beauty business

Customise your cover

  • Public & Products Liability included
  • Property Damage
  • Glass and signs
  • Theft
  • Money
  • Portable & Valuable Items
  • Back in Business

And more!

What sort of events are covered?

AAMI’s Public and Products Liability can help with a range of events that are common to hair and beauty businesses, such as:

  • a customer slipping on cut hair and being injured
  • an allergic reaction to a treatment
  • an allergic reaction to a product
  • spilling hot wax on a customer’s phone, and
  • a shelf falling and injuring a customer.

These are just a few examples. Check out the PDS for the broad range of events that are covered.

Policy document downloads
Product Disclosure Statement (PDS)

Treatment risks

Coverage for some hair and beauty treatments

It’s important to know what you’re covered for. So, below is a list of some treatments we cover, along with a few we don’t. This list isn’t exhaustive, so if you’re wondering about a particular treatment you perform, give us a call on 13 22 44.

We can cover

  • Hairdressing
  • All nail treatments
  • Manicuring, including the extension of false fingernails or extension tips
  • Shaving and waxing
  • Hair plucking, electrolysis and epilation
  • All eyebrow treatments
  • Make-up and facials
  • Eyebrow plucking or tinting
  • Eyelash tinting or perming and fixing of false eyelashes
  • Spray tanning
  • Facial, hand, foot, and neck massage

We can’t cover

  • Face lifts
  • Plastic surgery
  • Botox injections
  • Permanent body tattooing
  • Collagen injections
  • The removal or attempted removal of warts, moles or other growths, or hair therefrom
  • Solarium tanning

What am I covered for?

Your Liabilities

Your Assets

Your Finances

Business Insurance

Learn more about how AAMI helps businesses like yours

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Take control of your account

Jump online any time to request your certificate of currency, make a claim, renew your policy, and read your policy docs.

Business Insurance

Frequently Asked Questions

Imposed taxes

I have been informed that I need to pay more tax. This is not covered.

Failure to Lodge

I did not lodge my tax return. This is not covered. 

Dishonest Tax return

I did not include my cash jobs in my tax return. This is not covered.

Superannuation Guarantee

I have been notified that my superannuation guarantee is being audited, I need to pay the professional fees of my accountant.

Payroll tax Audit

I have been notified that my payroll tax is being audited, I need to pay the professional fees of my accountant.

GST Audit

I have been notified that my GST is being audited, I need to pay the professional fees of my accountant.

Short power outage

The power went out for a day and I could not operate. This is not covered. 

In Liquidation

I have gone into Liquidation and I am losing money. This is not covered.

Bankruptcy

I have gone into Bankruptcy and I am losing money. This is not covered.

Storm

My ceiling collapses in a storm and I can not see my clients.

Impact

A truck impacts my salon and I can not see my clients.

Fire

My Salon has a fire and can not trade.

Taken by staff

My employee steals my business money. I would need management liability for this.

Accounting errors

My till was short at the end of the day. This is not covered.

Carrying Money

I am held up on my way to the bank and my business money is stolen.

Money at home

My house is broken into and my business money is stolen

Money in a Safe

My salon is broken into and my business money stolen from my safe.

Money from premises

My salon is broken into and my business money is stolen from my till.

Wear and Tear

The original paint on my vehicle has faded. This is not covered.

Loss of income

I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit.

Deliberate Damage

I intentionally damaged my own vehicle. This is not covered.

Flood

Flood waters have damaged my parked vehicle.

Theft

Someone has stolen my locked vehicle.

Uninsured third party

My comprehensively covered vehicle is crashed into by someone else.

Storm

A storm has caused hail damage to my vehicle.

Damages by employees

My employee has reversed my vehicle into someone else's vehicle.

Malicious Damage

Someone has keyed my vehicle.

Unlocked Vehicle

I left my car unlocked and my laptop was stolen. This is not covered.

Wear and Tear

I have scratches on my laptop screen and I need to have it replaced. This is not covered.

Theft of items

My Laptop has been stolen from my locked vehicle and I need a new one.

Damage caused by Accident

My mobile phone is dropped and damaged and needs to be replaced.

False credit cards

A customer pays for their treatment with a fake credit card. This is not covered.

Money

My salon is broken into and my business money is stolen from my till. I would need to take the money section to cover this.

Shoplifting

A customer received a treatment and left without paying. This is not covered.

Temporary Protection

I have a break in and I can not lock up my salon.

Break and enter

I have a break and enter at my Salon and my stock is stolen.

Wear and Tear

My glass counter top has scratches from customers putting things on it. This is not covered.

Light fittings

When moving furniture I have knocked a light fitting and it has broken. This is not covered.

Computer screen

I have cracked the screen on my laptop. This is not covered.

Glass Signs

My glass sign is broken during a storm.

Accidental Breakage

My ceramic wash basin accidently breaks.

Malicious Damage

Someone throws a stone through my shop window.

Loss of income

Covers you for a reduction in your business revenue caused by damage to your property in an insured event. This is not covered.

Maintenance

My shampoo chair needs to be serviced. This is not covered.

Wear & Tear

My old chairs are starting to tear on the seat and they need to be replaced. This is not covered.

Impact

A truck drives into my salon causing damage to my stock. 

Leaking Water Pipes

My sink pipe breaks and causes water damage to my contents.

Storm Damage

My ceiling collapses under the weight of storm water and my salon equipment is damaged.

Accidental Damage

My office computer is knocked off the desk and needs to be replaced.

Malicious acts

Thieves break in and damage my salon equipment.

Fire

An electrical fault causes a fire  and destroys my salon equipment.

Slips and Trips

My customer slips on the hair on the floor.

Treatment Risk

My customer has an allergic reaction to the treatment I have performed.

Product causes injury

My customer has an allergic reaction to the product I have used.

Work causes damage

I have spilt hot wax on my customers clothing and phone.

Injury at my premises

A customer is injured when my shelving falls on them.

Vehicles

I have an accident in my work vehicle driving to see a client. I would need a motor policy to cover this.

Commercial Motor

  • Comprehensive provides cover for theft, loss or damage to your vehicle and legal liability cover.
  • Legal liability, fire and theft provides cover loss or damage to your vehicle caused by theft, fire, explosion and lightning and legal liability cover.
  • Legal Liability provides cover for damage to third party property only.

Hair and beauty

AAMI offers cover for:

  • Hair Salons
  • Home and Mobile Hairdressers
  • Beauticians
  • Beauty Parlours
  • Barbers
  • Nail Salons
  • Nail Technicians / Manicurists
  • Make-up artists
  • Stylists
  • And more!

Business

AAMI offers cover for:

  • Hair Salons
  • Home and Mobile Hairdressers
  • Beauticians
  • Beauty Parlours
  • Barbers
  • Nail Salons
  • Nail Technicians / Manicurists
  • Make-up artists
  • Stylists
  • And more!